LTV · monthly repayment
▼ 0.50% · 3.625%
HK$73,337
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,618
−HK$2,317/mo
Today · 4.125%
HK$77,935
baseline
▲ 0.50% · 4.625%
HK$82,678
+HK$4,743/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,870/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,586
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,774
−HK$2,220/mo
Today · 4.125%
HK$85,994
baseline
▲ 0.50% · 4.625%
HK$90,527
+HK$4,533/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,988/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,004
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,741
−HK$2,782/mo
Today · 4.125%
HK$93,523
baseline
▲ 0.50% · 4.625%
HK$99,213
+HK$5,690/mo
Deposit HK$12.86M · loan HK$19.30M · min. income ≈ HK$187,046/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,903
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,529
−HK$2,664/mo
Today · 4.125%
HK$103,193
baseline
▲ 0.50% · 4.625%
HK$108,632
+HK$5,439/mo
Deposit HK$12.86M · loan HK$19.30M · min. income ≈ HK$206,386/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,671
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,865
−HK$3,245/mo
Today · 4.125%
HK$109,110
baseline
▲ 0.50% · 4.625%
HK$115,749
+HK$6,639/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,220/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,221
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,284
−HK$3,108/mo
Today · 4.125%
HK$120,392
baseline
▲ 0.50% · 4.625%
HK$126,738
+HK$6,346/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,784/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,006
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,112
−HK$4,172/mo
Today · 4.125%
HK$140,284
baseline
▲ 0.50% · 4.625%
HK$148,820
+HK$8,536/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,568/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,855
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$150,794
−HK$3,995/mo
Today · 4.125%
HK$154,789
baseline
▲ 0.50% · 4.625%
HK$162,948
+HK$8,159/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,578/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,866 · Scale 2, in force from 26 Feb 2026)